Mortgage Services

Transactional Fraud Detection

Smart security for your Online Banking transactions.

Our electronic banking system is designed to protect you and your money from fraudulent online banking transactions. Based on your usual pattern of online banking activity, our system can identify and stop transactions that do not fit into your normal online usage pattern allowing the Bank to contact you to ensure that you are the one performing the transaction.

Frequently Asked Questions:

Why is the bank using Transactional Fraud Detection?

Our commitment is to protecting you and your money. Our system analyzes transactions to identify and suspend suspect transactions, giving us the ability to verify that you and not someone else pretending to be you, initiated a transaction.

What happens if one of my transactions is flagged as unusual?

We will contact you by phone using the contact information you have provided to us.

A bank representative will ask you a few questions to confirm you have authorized the transaction; if you have, we’ll release the transaction to be processed.

What if I’m new to the system, how does the system flag unusual transactions without the history of my behavior?

The system builds its history of your behavior over a brief period of time based on your presence in the Online Banking system. During this initial period, if you use the services our system monitors, you may receive higher than normal alerts and confirmation calls until your normal behavior pattern is established.

Is this a free service?

Yes! This protection is free of charge.

What if I do not want to be contacted, can I opt out of this service?

We take your financial security very seriously. This is not an optional service. It assists in protecting you from potential fraud and greatly minimizes fraud risks. We respect your time and believe that a 30 second confirmation phone call is worth it to protect your account. It is much better to spend this time protecting your funds than the time it will take to reverse the damage done from fraudulent activity on your accounts.

Who do I contact if I have questions about this service?

If you have questions about the this security feature, please use the Secure Messaging feature within Online Banking, or call our Services Solutions Department at 800-773-5640 and select option #4, or email us at ServicesSolutions@heritageoaksbank.com.